Effective Ways to Find the Best Own Occupation Disability Insurance

Effective Ways to Find the Best Own Occupation Disability Insurance

Navigating the sometimes cloudy waters of disability income insurance was a challenge some years ago. Unlike auto, fire, and life insurance, for which many sources always existed in large numbers; disability insurance was not nearly as popular a product. Therefore you had to search a bit to find the “best” available coverage. If you wanted the added protection of own occupation coverage, your task was made more daunting. This is no longer a problem.

The power of the Internet can help you find the best own occupation disability insurance available. You can even get help by using well-respected websites, like ProtectYourIncome.com, to act as your “virtual insurance advisor”. By maintaining and constantly updating their reservoir of insurance information and data on some of the best insurance companies and coverages, they will give you the knowledge to find the best own occupation disability insurance for you.

These wonderful website resources will help you differentiate between those offers that may appear to be the “best” and those that are actually the best for you. For example, finding disability insurance coverage providing the monthly income, waiting period, and length of benefits you want at a much lower cost than another, seemingly identical policy, may appear to make your decision easy. But, upon further examination, you may find that the lower cost coverage has an “any occupation” definition of disability.

Once you realize this and learn exactly what this provision means - that you are considered no longer disabled when you can perform the duties of any gainful occupation - you may reconsider your initial decision. As a highly skilled professional, you really want own occupation disability insurance coverage. You realize that own occupation insurance, which normally provides continuing monthly income benefits until you can perform the duties of your specialty, would be a much better choice than the lower cost policy you once favored. You might realize that this is the “best” disability insurance program for you.

These excellent websites, offering information, coverage suggestions, and referrals to top insurance providers, will allow you to find the “best” own occupation disability insurance coverage for your specific needs.

The above-listed tip is for informational use only. Refer to your insurance policy contract for specific information regarding your coverage and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.